Net Worth Calculator

Your net worth is a simple snapshot of your financial position. It adds up what you own, subtracts what you owe, and shows the difference. This UK net worth calculator covers cash, investments, pensions, property, mortgages and other debts, so you can see the bigger picture without building a spreadsheet.

How to use this net worth calculator

Enter your main asset values and debt balances. Use current estimates rather than perfect figures. For property, enter a realistic market value and your outstanding mortgage balance. For pensions and investments, use the latest statement or app value. If you want to grow one part of the total, our pension calculator, ISA calculator and compound interest calculator can help you model future growth.

The formula explained in plain English

Net worth equals total assets minus total debts. Assets are things with value, such as savings, pensions, investments, property and valuable possessions. Debts are amounts you owe, such as a mortgage, personal loan, credit card balance or car finance. The calculator also shows home equity, which is property value minus mortgage balance, and liquid net worth, which focuses on cash and investments after non-mortgage debts.

Worked example

Imagine you have £8,000 in savings, £12,000 invested, a pension worth £45,000, a home worth £260,000 and £5,000 of other assets. Your total assets are £330,000. If your mortgage balance is £190,000 and your other debts are £4,000, total debts are £194,000. Your estimated net worth is £136,000. Your home equity is £70,000, and your liquid net worth is £16,000 (£8,000 plus £12,000 minus £4,000).

Common mistakes people make

The first mistake is using optimistic property values and old debt balances. A net worth tracker is more useful when the figures are cautious. The second is comparing yourself with other people. Age, region, family support, housing history and pension access all matter. The third is forgetting that a pension is long-term money. Our UK State Pension guide and ISA guide UK 2026/27 explain how different savings pots can play different roles.

Related calculators

Use the debt payoff calculator if debts are pulling your net worth down. The emergency fund calculator helps build a cash buffer, while the pension calculator and ISA calculator help model longer-term assets.